Money Tools
← HomeFree, accurate calculators for the 2026/27 UK tax year. Model the number that matters, then read the guide that explains it. Kept up to date whenever the rules change.
Tax · Higher earners
60% Tax Trap Calculator
See the punishing marginal rate between £100k and £125k — and the exact pension contribution that escapes it.
Open tool →Pensions · Tax
Salary Sacrifice Calculator
How much tax and National Insurance you save by sacrificing salary into your pension — and the real cost to your take-home.
Open tool →Tax · Pay
Bonus Tax Calculator
What you'll actually keep from a bonus after income tax, NI and any student loan — and how a pension diversion changes it.
Open tool →In development
High-Earner Tax Optimiser
The flagship: model the 60% band, annual-allowance taper and child-benefit charge together, and find the single optimal pension contribution.
The Sunday Compound
Wealth is built slowly. Learn it one Sunday at a time.
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